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FTC FACTS
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ftc.gov
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f you sell business opportunities, take this opportunity to find out more about your compliance obligations. The Federal Trade Commission, the nations consumer protection
agency, has revised the Business Opportunity Rule to make it easier for people to get the information they need when theyre thinking about buying a bizopp. What does that mean for your company? The Rule now covers a wider variety of business opportunities, so you might be covered even if you werent covered before. In addition, the Rule streamlines and simplifies the disclosures you have to give prospective buyers. Whats covered. The Business Opportunity Rule applies to commercial arrangements where a seller solicits a prospective buyer to enter into a new business, the prospective purchaser makes a required payment, and the seller expressly or by implication makes certain kinds of claims. Examples of whats covered by the Rule include work-at-home opportunities like envelope stuffing or craft assembly where the seller offers to buy back merchandise from the bizopp buyer. Also covered: opportunities where a seller says it will help the buyer set up or run the business for example, by providing the buyer with customers, accounts, or locations to sell products or services. Consult the Rule to find out if the opportunity youre selling is within the definition. Whats required. If a transaction falls within the Rule, a seller has three key legal responsibilities: 1. You have to give the buyer a one-page Disclosure Document. And you have to provide this document seven days before the prospective buyer signs a contract or pays any money for the business opportunity.
Opportunity to Comment
The National Small Business Ombudsman and 10 Regional Fairness Boards collect comments from small businesses about federal compliance and enforcement activities. Each year, the Ombudsman evaluates the conduct of these activities and rates each agency's responsiveness to small businesses. Small businesses can comment to the Ombudsman without fear of reprisal. To comment, call toll-free 1-888-REGFAIR (1-888-734-3247) or go to www.sba.gov/ombudsman.
November 2011
[Name of Seller] has completed this form, which provides important information about the business opportunity it is offering you. The Federal Trade Commission, an agency of the federal government, requires that [Name of Seller] complete this form and give it to you. However, the Federal Trade Commission has not seen this completed form or checked that the information is true. Make sure that this information is the same as what the salesperson told you about this opportunity. LEGAL ACTIONS: Has [Name of Seller] or any of its key personnel been the subject of a civil or criminal action involving misrepresentation, fraud, securities law violation, or unfair or deceptive practices, including violations of any FTC Rule, within the past 10 years?
YES NO YES NO
If the answer is yes, [Name of Seller] must attach a list of all such legal actions to this form.
CANCELLATION OR REFUND POLICY: Does [Name of Seller] offer a cancellation or refund policy? If the answer is yes, [Name of Seller] must attach a statement describing this policy to this form.
EARNINGS: Has [Name of Seller] or its salesperson discussed how much money purchasers of this business opportunity can earn or have earned? In other words, have they stated or implied that purchasers can earn a specific level of sales, income, or profit?
YES NO
If the answer is yes, [Name of Seller] must attach an Earnings Claims Statement to this form. Read this statement carefully. You may wish to show this information to an advisor or accountant.
REFERENCES: In the section below, [Name of Seller] must provide you with contact information for at least 10 people who have purchased a business opportunity from them. If fewer than 10 are listed, this is the total list of all purchasers. You may wish to contact the people below to compare their experiences with what [Name of Seller] told you about the business opportunity. Note: If you purchase a business opportunity from [Name of Seller], your contact information can be disclosed in the future to other potential buyers. 1. 2. 3. 4. 5. Name State Telephone Number 6. 7. 8. 9. 10 Name State Telephone Number
Signature: ___________________________________
Date: _______________
By signing above, you are acknowledging that you have received this form. This is not a purchase contract. To give you enough time to research this opportunity, the Federal Trade Commission requires that after you receive this form, [Name of Seller] must wait at least seven calendar days before asking you to sign a purchase contract or make any payments. For more information about business opportunities in general: Visit the FTCs website at www.ftc.gov/bizopps or call 1-877-FTC-HELP (877-382-4357). You can also contact your states Attorney General.
DIVULGACIN DE INFORMACIN IMPORTANTE SOBRE OPORTUNIDAD DE NEGOCIO Formulario requerido por la Comisin Federal de Comercio (FTC) Regla 16 de la Parte 437 del Cdigo de Regulaciones Federales
Nombre del Vendedor: Telfono: Domicilio: Representante de Ventas: Fecha:
[Nombre del Vendedor] complet el presente formulario y en el mismo le suministra informacin importante sobre la oportunidad de negocio que le est ofreciendo. La Comisin Federal de Comercio (Federal Trade Commission, FTC), una agencia del gobierno federal, le requiere a la compaa [Nombre del Vendedor] que complete el presente formulario y que se lo entregue a usted. Pero la FTC no ha visto este formulario completado por la compaa ni ha verificado que la informacin indicada sea veraz. Asegrese de que la informacin contenida en el presente formulario coincida con lo que le dijo el representante de ventas respecto de esta oportunidad. ACCIONES LEGALES: La compaa [Nombre del Vendedor] o alguno de los principales miembros de su personal ha sido sujeto de una accin civil o penal, que involucre falsedad, fraude, infraccin de las leyes de ttulos y valores, o prcticas desleales o engaosas, incluyendo infracciones de las Reglas o Normas de la FTC, dentro de los 10 ltimos aos? SI Si la respuesta es afirmativa, [Nombre del Vendedor] debe adjuntar al formulario una lista completa de dichas acciones legales. NO POLTICA DE CANCELACIN O REINTEGRO: Ofrece [Nombre del Vendedor] una poltica de cancelacin o reintegro? S Si la respuesta es afirmativa, [Nombre del Vendedor] debe adjuntar al formulario una declaracin con la descripcin de dicha poltica. NO INGRESOS: La compaa [Nombre del Vendedor] o alguno de sus representantes de ventas ha manifestado la cantidad de dinero que pueden ganar o que han ganado los compradores de esta oportunidad de negocio? Dicho en otras palabras, han expresado de manera explcita o implcita que los compradores pueden alcanzar un nivel especfico de ventas, o ganar un nivel especfico de ingresos? S Si la respuesta es afirmativa, [Nombre del Vendedor] debe adjuntar a este formulario una Declaracin de los Ingresos Proclamados. Lea esta declaracin atentamente. Puede que desee analizar esta informacin con un asesor o contador. NO REFERENCIAS: En esta seccin del formulario, [Nombre del Vendedor] debe listar la informacin de contacto de por lo menos 10 personas que le hayan comprado una oportunidad de negocio. Si le suministran los datos de menos de 10 personas, es porque sa es la lista completa de todos los compradores. Puede que desee comunicarse con las personas listadas a continuacin para comparar sus respectivas experiencias con lo que le dijo [Nombre del Vendedor] sobre la oportunidad de negocio que le est ofreciendo. Nota: Si usted compra una oportunidad de negocio de [Nombre del Vendedor], podr divulgarse su informacin de contacto a otros posibles compradores. 1. 2. 3. 4. 5. Nombre Estado Nmero de Telfono 6. 7. 8. 9. 10. Nombre Estado Nmero de Telfono
Firma: ___________________________________
Fecha: _______________
Por medio de su firma, usted acusa recibo del presente formulario. Esto no es un contrato de compra. La Comisin Federal de Comercio (FTC) establece que con el fin de concederle el tiempo necesario para que usted investigue esta oportunidad, [Nombre del Vendedor] debe esperar un mnimo de siete das naturales o corridos a partir de la fecha en que le entregue este formulario antes de pedirle que firme un contrato de compra o que efecte un pago. Para ms informacin sobre oportunidades de negocio en general: Visite el sitio Web de la FTC www.ftc.gov/bizopps o llame al 1-877-FTC-HELP (877-382-4357). Usted tambin puede establecer contacto con el Fiscal General de su estado de residencia.